A transparent process that’s been adapted for your lifestyle!

Capital Bank Home Loans helps make it easy to apply for a mortgage — whether you’re in the market for your first home, a family that’s outgrown your starter home, or a military veteran looking to settle down. It all starts with our QuickClose process.

Matching your loan options to your budget

Your application through QuickClose lets you get pre-approved – without doing any additional work.

  • Start from any device or computer
  • Automatically verify your income and assets
  • Speak with your loan originator and discuss your options
  • Match your loan options to your budget
  • Quick underwriter review
  • Voila! A pre-approval letter

Getting your offer to the top of the list

A pre-approval letter is a conditional commitment from Capital Bank for your financing. It gives the seller greater confidence in your ability to buy their home when the pre-approval letter is included with the offer.  That’s because a pre-approval is based on an underwriter’s review of key financial information.

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Learn about our clients experiences

They saved my earnest money deposit

A borrower, doing contract work, put a $50,000 earnest deposit on a home. Shortly before his closing, another lender decided against making the loan to the borrower. If he didn’t close on time, he would lose his earnest money deposit. Mortgage Loan Originator Jerry Weeda jumped at the opportunity to help the cl... Read Full Testimonial

They saved my earnest money deposit

A borrower, doing contract work, put a $50,000 earnest deposit on a home. Shortly before his closing, another lender decided against making the loan to the borrower. If he didn’t close on time, he would lose his earnest money deposit. Mortgage Loan Originator Jerry Weeda jumped at the opportunity to help the client – Fast! The client didn’t fit the standard mortgage investor guidelines, so Jerry was able to help him secure financing in a loan directly with Capital Bank. Later, Jerry was able to help the borrower refinance the loan into a loan that met standard investor guidelines with a lower interest rate.

Say “yes” to multifamily property…

A client wanted to purchase a multifamily property, living in one unit and renting the other. They were told initially that it required at least 20-25% down. He approached two lenders, but both said he needed a big down payment. With little cash in hand, they suggested a condo or small house instead. Mortgage Loan O... Read Full Testimonial

Say “yes” to multifamily property…

A client wanted to purchase a multifamily property, living in one unit and renting the other. They were told initially that it required at least 20-25% down. He approached two lenders, but both said he needed a big down payment. With little cash in hand, they suggested a condo or small house instead. Mortgage Loan Originator Brian Martucci said otherwise — the multi-family home was possible with a special loan program available in certain zip codes with 5% down. Although an option many lenders aren’t familiar with, Brian was — and so the client was on his way to home ownership.

Our Team

Attention Veterans!

The same straightforward digital process supported by a dedicated VA Mortgage Loan Originator with years of expertise. Check out our VA Home Loans and see what our customers are saying.

VA Home Loans